Services
What is Term Life Insurance?
Term life insurance provides coverage for a specific period of time, or “term” of years. If the insured person dies within the “term” of the policy and the policy is still in force (active), then the death benefit is paid out to the beneficiary.
This type of insurance typically allows clients to initially purchase more insurance coverage for less money (premium) than other kinds of life insurance. Primerica’s “Buy Term and Invest the Difference” philosophy encourages clients to take this “difference” in premium and invest it for the future.
Do I Need Life Insurance?
If anyone is depending on your income or if you have obligations (debt, mortgage, etc.) that would fall to someone else to handle if you were to die, then the answer is, “Yes.”
Life insurance acts as a substitute for income. Have you ever calculated how much you’ll earn in your lifetime? Typically, over the course of your working years, the answer is usually “a fortune.” The potential risk of losing that earning power – earnings you’ll need to fund your family’s biggest goals like buying a home, paying for your kids’ education, reducing debt, saving for retirement, etc. – especially at the early or mid-point of those years, is what makes life insurance a necessity for most people.
The Primerica Difference
With the latest technology and underwriting processii, we can offer clients an easier, straightforward and convenient way to purchase term life insurance – all with the personal support of our licensed Primerica representatives.
- Advanced technology can provide an underwriting decision with actual rates in real-time in many cases.
- Policies are written in plain language, so terms and conditions are easy to understand.
- Faster processing of applications.
- Receive personalized service from a licensed Primerica representative in the local area.
A local representative is ready to help you find the best term life insurance product for your unique needs.
Primerica Term Life Insurance Offers Affordable Protection
You need term life insurance. A common misconception about life insurance is that it is a permanent need for each family. Many financial experts see life insurance as a tool to “buy time” until you accumulate savings – and not as a permanent fixture of your financial life. Term life insurance is generally much more affordable in the initial years to provide the right amount of coverage you really need for your family.
Primerica Life Insurance
Primerica’s life insurance companies offer affordable term life insurance protection ranging from a 10-year level premium policy all the way up to a 35-year level premium policyii. The recognition received by our life insurance companies reflects our dedication to deliver term life insurance products to our clients.
Investor's Business Daily #1 Most Trusted Life Insurance Company 2022iii
Forbes 2022 America's Best Insurance Companies
Group Insurance Through Work May Not Be Enough
Many employers carry a group life insurance policy for their employees. If that’s the case for you, is it really necessary to own an individual policy?
Group insurance can play a role in protecting your family, financially, but it’s only a small part of that protection. Group insurance typically only covers one to two years’ salary, is owned by your employer and usually only covers you while you remain employed. If you leave that job or get laid off, your employer-sponsored coverage ends. With a Primerica term life insurance policy, you’re covered until age 95 and your policy remains in effect as long as you keep your premiums current.
How Much Life Insurance Do You Need?
If your family is like most, the answer to that question is probably more than you currently have. Ten times your annual salary is a good rule of thumb. Your Primerica representative can help you determine how much life insurance you need, and many other questions you might have about your household finances, with a Financial Needs Analysis (FNA)
When Should You Purchase Life Insurance?
Primerica Serves Families Just Like Yours
Protect your identity
Identity theft has been one of the top consumer complaints filed with the FTC for nearly two decades.* Victims are spending an exorbitant amount of time and money dealing with it. The criminals are getting smarter. And they’re not going away. IDTheftDefense℠, offered by Pre-Paid Legal Services, Inc., understands all the potential threats, how to protect against them, and how to restore any damage done.
IDTheftDefense helps protect your identity in three ways:
- Monitoring your personal information and financial accounts
- Providing counseling and emergency assistance, if needed
- Restoring your identity should an identity theft event occur
Prepaid Legal Strategic Partner
Primerica Legal Protection Program services are offered through Pre-Paid Legal Services, Inc. Primerica Legal Protection Program legal protection services are offered by Pre-Paid Legal Services, Inc. (PPLSI) or applicable subsidiary, through contractual agreement between Primerica Client Services, Inc. and PPLSI. Neither Primerica Client Services, Inc., nor its officers, employees or sales representatives directly or indirectly provide legal services, representation or advice. PPLSI provides access to legal services offered by a network of provider law firms through membership based participation. Neither PPLSI nor its officers, employees or sales associates directly or indirectly provide legal services, representation or advice. Services and benefit availability may vary by state.
vivid home security system
We also offer vivid home security system
Vivint Security Review
Combining AI technology with our personal preferences, Vivint’s Smart Deter feature makes this security system definitely worth it.
- Professional monitoring : All systems have the option of professional monitoring and cellular backup to secure homes.
- Integrations with Alexa and Google Assistant : In addition, Vivint works with Philips Hue smart lighting and Nest thermostats.
- User-friendly app : The Vivint app is easy to use on both iPhones and Androids.
- Wireless equipment
- Advanced home automation and customizations
- 7-inch touch-screen smart home hub
- AI-powered outdoor, indoor and doorbell cameras
VIvint is a 4x Award Winner
Selected for having one of the highest satisfaction rates for Best Customer Service, Best Equipment, Best for Installation and Best Monitoring. Vivint is one of the strongest smart home security systems. From its smart touchscreen control panel called the Vivint Smart Hub to its AI-powered security cameras, Vivint delivers a unique smart home security experience that no other security system on the market can match.